Digital currency benefits
1、 Different monetary attributes
1. digital currency:
digital currency belongs to legal tender
2. Wechat:
wechat belongs to the third-party payment instrument
3, Alipay:
Alipay belongs to the third party payment tool. p>
2. Different issuers
1. Digital currency:
the issuer of digital currency is the central bank
2. Wechat:
the clearing Party of wechat is a commercial bank
3, Alipay:
Alipay's settlement party is commercial bank. p>
extended data
in the third-party payment mode, the buyer uses the account provided by the third-party platform to pay for the goods (to the third party), and the third party notifies the seller of the arrival of the goods and requires delivery; After receiving the goods, inspecting the goods and confirming, the buyer shall notify the third party for payment; The third party transfers the money to the seller's account
digital currency can be considered as a virtual currency based on node network and digital encryption algorithm. The core characteristics of digital currency are mainly reflected in three aspects:
1. Due to some open algorithms, digital currency has no issuing subject, so no one or organization can control its issuing
Because the number of algorithm solutions is determined, the total amount of digital currency is fixed, which fundamentally eliminates the possibility of inflation caused by the overuse of virtual currency3. Because the transaction process needs the approval of each node in the network, the transaction process of digital currency is safe enough
for example, those in China are basically money circling. Or those with immature technology are eliminated
You can see it on tushare pro, https://tushare.pro , the specific address of express API: web link
Shenzhen issued 10 million red envelopes of digital currency, which means that currency digitization will be further developed
In fact, for digital currency, the central bank started to make preparations as early as 2014. By 2019, it has been further promoted to the national strategic level, and this year's promotion speed has been significantly accelerated. In fact, this year, major countries around the world have made significant progress in digital currency. In particular, the G7 has decided to cooperate on the issue of central bank digital currency. In fact, the promotion of digital currency plays an important role in the internationalization of RMB. At the same time, digital currency is also the basis of internal and external circulation, especially in the domestic circulation. Digital currency can rece costs and improve efficiency for social management, promote the development of digital economy and big data, and promote the innovation of digital payment instry. In the external circulation, digital currency may become an important means of payment in international trade, and is concive to the formation of a new international trade pattern. From this point of view, digital currency has played a crucial role in the nationalization of RMB. Now Shenzhen is the first pilot of digital currency, which has laid a solid foundation for the promotion of digital currency to the whole country, and this is also the preparation for the internationalization of RMBin a word, Shenzhen issued 10 million red envelopes of digital currency to further promote digital currency
Data RMB has begun to enter people's lives, and digital currency will completely change people's lives in the following aspects:
finally, digital RMB will also facilitate the use of the elderly and other special groups for the elderly and those who exclude the use of intelligent terminals, the central bank should consider more non-contact and passive payment means in digital currency, facilitate the payment and settlement of the group by brushing face, fingerprinting and other means, set certain rules for dection and settlement by taking the settlement account as the child's sub account, so as to facilitate the elderly and provide information to their children at the same time. Similar experience should be not only from the payment link, but also from the perspective of software color, font size and human-computer interaction psychology